Kerala Gramin Bank Gold Loan

Gold Loan @ 7.25%

Apply & Get Instant Money

Kerala Gramin Bank Gold Loan Key Features

Kerala Gramin Bank Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
Kerala Gramin Bank Gold Loan Interest Rate 7.25% per annum
Kerala Gramin Bank Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
Kerala Gramin Bank Processing Fee 1.50% of the Principal Loan Amount
Kerala Gramin Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Kerala Gramin Bank Repayment Tenure 3 Months to 24 Months
Kerala Gramin Bank Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Kerala Gramin Bank Gold Loan:

  • Quick Approval: Kerala Gramin Gold Loan gives instant approval with easy assistance. The credit gets passed in 60minutes.
  • Lesser Documents: The documentation process of Kerala Gramin Bank is very less and straight.
  • Fine Structure: The Kerala Gramin bank has some transparency that it doesn’t charge any covered fees.
  • Amount of Loan: The amount of credit given to is Rs. 15000, and for the people associating from rural areas is Rs. 10000.
  • Safety of Jewellery: The protection of gold gems are in the hands of the Kerala Gramin bank. It should be safely and securely placed in flame-resisting areas.
  • Loan Tenure: The interval for availing loan in Kerala Gramin bank is between 3 months to 2 years. It completely depends upon the people when they feel the need.
  • Advantages for Farmers: Kerala Gramin Bank brings up special offers for the peasants to fulfill agricultural goals and related activities.
  • No Debt Burden: The applicants will not be under debts if they are unable to reimburse the amount to the Kerala Gramin Bank.
  • No Income Bonds: Applicant wants to avail of Kerala Gramin Bank loans and they can do that undoubtedly without income margins.

How Much Gold Loan can I Get through Kerala Gramin Bank Gold Loan?

Kerala Gramin Bank Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 42900 39000 35100

20 gram

93600 85800 78000 70200

30 gram

140400 128700 117000 105300

40 gram

187200 171600 156000 140400

50 gram

234000 214500 195000 175500

100 gram

468000 429000 390000 351000

200 gram

936000 858000 780000 702000

300 gram

1404000 1287000 1170000 1053000

400 gram

1872000 1716000 1560000 1404000

500 gram

2340000 2145000 1950000 1755000


Kerala Gramin Bank Gold Loan Eligibility:


18-70 years of age



Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats


Kerala Gramin Bank Gold Loan Documents Required:


2 Passport Size

Identity Proof

Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

Residence Proof

Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)


Kerala Gramin Gold Loan Interest Rate, Fees, and Charges:

HDFC Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST


About Kerala Gramin Bank Gold Loan

Kerala Gramin Bank Caters to all the needful services of the people by sanctioning them a huge amount of a loan in exchange for gold embellishments. As classified as the greatest banking institute surrounded by other banking and non-banking organizations, the Kerala Gramin Bank offers various profit-driven services to its customers.

  • Kerala Gramin Gold Loan Interest Rate is7.25% per annum
  • Kerala GraminGold Loan Per Gram is ₹5,219
  • Kerala Gramin Gold Loan Tenure: Up to 24 months
  • Kerala Gramin Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

Types of Kerala Gramin Bank Gold Loan

Kerela Gramin Bank proposed distinct plans attached to the Gold Loan product that are indexed below:

  • Loan Against Gold – Gold Loan know as a loan of trust provides a persuasive rate of interest to the applicants who are desiring to gratify their needs that require money. Kerela Gramin Gold Loan varies from another form of loans regarding the banking rate. The bank does not defy in lending sum to the meagers as it offers interest at the least rate.
  • Loan Against Gold for Agriculture – Kerela Gramin Bank provides Gold Loans respectively for agrarian goals to farmers at an exclusive banking rate as compared to gold loans given for various other requirements. The agriculturists are provided special offers and also they have to hand Land evidence to the bank for they are taking the Loan.

Kerela Gramin Bank Gold Loan EMI Calculator:

Rate of Interest
6 months
1 Yr
2 Yrs
3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466


How to Pay Your Kerala Gramin Gold Loan EMI?

  • Standing Instruction (SI): If you are a current account holder with Kerala Gramin Bank, Standing Instruction is the preferred repayment method. Your EMI amount will be credited naturally towards the month to month end cycle from the Kerala Gramin Bank account you show.
  • Electronic Clearing Service (ECS): This operation is used if you have a non-Kerala Gramin Bank record and must belonging for your EMIs to be charged monthly from this account.
  • Post-Dated Checks (PDC): You can air post-dated EMI appraisal from a non-Kerala Gramin Bank statement at your closest Kerala Gramin Bank Loan Center. New PDCs should be presented immediately.

Kerala Gramin Bank Gold Loan Contact Number

Call 9878981144 for minute help with Kerala Gramin Bank Gold Loan best deals and offers.

Gold Ornaments Accepted by Kerala Gramin Bank

  • Gold Jewellery:  Bank agrees to loan huge sum for gold ornaments like Gold bangles, Gold anklets, etc.
  • Quality: The quality of gold should be real amidst 18 Carat to 22 Carat.

Use of Kerala Gramin Bank Gold Loan

The funds collected by availing the Kerala Gramin Gold Loan service can be utilized for several reasons-

  • To finance any personal money-related needs such as a wedding, traveling, higher education.
  • For all your marketing experiences, such as buying original stock, developing markets, etc., the loan is applicable.
  • You can avail of a Gold Loan for horticultural benefits. The bank gives the least rate of interest for Gold Loans that are useful for floricultural activities.


FAQs About Kerala Gramin Bank Gold Loan

  • What is Kerala Gramin Bank Gold Loan?

Kerala Gramin Bank Gold Loan avail loan against gold gems at an attractive interest rate. The process of approval is quick and easy.

  • How can I get the Gold Loan from Kerala Gramin Bank?

You can get Kerala Gramin Bank Gold Loan by visiting one of the gold advance centers of Kerala Gramin Bank else you can apply online with loannow .

  • What is Gold Loan Interest Rate in Kerala Gramin Bank?

The Gold Loan Interest Rate in Kerala Gramin Bank is 7.25% per annum.

  • How much Gold Loan can I get per gram in Kerala Gramin Bank?

You can profit up to ₹ 5,219 Per Gram in Kerala Gramin Bank Gold Loan.

  • How to check Gold Loan status in Kerala Gramin Bank?

The tracker website page is available for the applicants to check their gold loan status in Kerala Gramin bank or you can lead your way to the nearest branch of the Kerala Gramin bank.

  • How to calculate Gold Loan Interest in Kerala Gramin Bank?

Calculative discussions regarding Gold Loan Interest in Kerala Gramin Bank can be done using an EMI calculator.

  • How to Pay Kerala Gramin Bank Gold Loan Interest Online?

You can pay Kerala Gramin Gold Loan interest online through net banking on the formal Kerala Gramin loan compensation home page or by choice, you can also refund your Kerala Gramin Gold Loan on Paytm.

  • What if I can’t pay the interest on Kerala Gramin Bank Gold Loan for 3 months?

In case you haven’t compensated interest on Kerala Gramin Gold Loan for 3 months, you are requested for paying the pending dues in the beginning. But if the hearing remains unheard then Kerala Gramin bank will officially put the legal charges on you and will confiscate the ornaments.

  • How can I apply for EMI Moratorium on Kerala Gramin Bank Gold Loan?

Applying for EMI Moratorium on Kerala Gramin Bank Gold Loan in the middle of first March and 31st August 2020 and must be finished by contacting the Bank client care or visiting the closest Kerala Gramin Bank office.